How is a 400k loan financible without equity? Net equity at €4,500

Better than an air apartment

Should we rather finance according to wish and borrow more People, people. You don't set a budget for no reason. And that's what you build or finance for. That's why you make compromises on the house. But those who live in an apartment unfortunately don't know that.

Yes, a realistic budget. Some rustic savings bank clerk wrote down the 400k on a piece of paper along with the installment and now you are nervous. Learn to calculate, a buyer should be able to do that

We have no desired equity. We have real equity. In the bank. You might know it as a banker

Despite all the teasing and personal style - does make a valid point. If you plan with a calculated maximum budget with little buffer, there is a high probability of situations with sleeplessness.

By the way, Werder also didn't have a season full of fun and, with some luck, got into the relegation against HSV - and HSV has still managed to stay in the league through the relegation! Your example is not bad in that regard. Do you want to experience a season like Werder's 2019/20 during the construction?

As long as it works, siggi

I am grateful for your suggestions and there are important approaches among them. We will take them into account and plan accordingly.